So I've never tried any of the MMORPGs that are out but what thinking of checking one out...can any of you guys give me some feedback as to what are the good ones and what makes them good? I'm more into a roleplaying/interesting quest sort of experience than a hack and slash one.

also what are the subscription costs like? i know FF online is around 12 bucks a month, is that typical? Also, do any of them have a way to pay the subscription costs without a credit card?